| Author | Message | ||
     Jeffroj |
So I applied to a new health insurance provider last week, and just found out that they will cover everything except if I get hurt on my bike. Spoke with my agent and she doesn't know of any providers that will cover me on my bike. I have state farm for motorcycle insurance, but they don't provide medical for motorcycles. If I go down, I am screwed! Does anybody know which health insurance companies cover you on your motorcycle, and at a reasonable price for an individual 25 year old male? | ||
| Tq_freak |
I got mine though work with blue cross and blue sheild....They never asked me about my bike so I didn't tell them. In my mind I'm covered and I will fight them like Hell if they try to deny a clam. | ||
| Ccryder |
Jeff: Go to the AMA site and do some searching. They were REAL big on this issue not too long ago. Unfortunately insurance laws vary state-to-state. Neil S. | ||
| Randomchaos |
Supposedly insurance companies can claim riding a street motorcycle as a Recreational Sport, much like riding a dirt bike. | ||
| Slaughter |
I have Aetna - they cover me for 3 common exclusions: Motorcycle Racing Scuba diving Flying - sport aviation Agree - check AMA, the medical exclusion issue is a BIG DEAL with them. | ||
| Darthane |
O_o ...[I thought] medical coverage is required by law with any vehicular insurance, but that may very well vary state to state. I have PLPD insurance with Progressive for both of my bikes and their contract explicitly states that in the absence of any other medical coverage, they will indeed cover medical expenses that arise from an injury related to the insured person riding the insured vehicle. | ||
| Jcbikes |
With Geico, I have $2,000 medical coverage. Thats the maximum you can get with them but its better than nothing. | ||
| Jeffroj |
Thanks everyone, I just got a pretty descent quote from Aetna, who will cover me on my motorcycle no matter what happens. | ||
| Slaughter |
If you are talking MEDICAL for other-than-traffic related stuff - you might find your coverage would be denied for track day or off-road/dirt. Just a good idea to check on exclusions. Aetna is NOT THE CHEAPEST insurance, it's just that their medical insurance has served me well in racing. (haven't tested it in Scuba or Flying - and DON'T PLAN TO either!!) I looked into a supplemental medical policy to cover racing ONLY insurance in case I left and had to carry my own insurance and insurance JUST for motorcycle racing would be on the order of $1000-$1200 a month!!! | ||
| Jeffroj |
Yeah they aren't the cheapest. I ended up with Tonik by Blue C/Blue S, they're geared more toward the wild young guys and gals, and ended up being the best deal for me. Thanks for the help. | ||
| Sgthigg |
Wow, to think many insurance companies dont cover for motorcycling accidents. If they look at it like a recreation...What about here soon when gas stays 4 dollars a gallon and people start buying and riding more and more motorcycles everyday?...kind of scary.. | ||
| Nik |
Kaiser covers me for everything, and has unfortunately been tested... | ||
| Slaughter |
when gas stays 4 dollars a gallon and people start buying and riding more and more motorcycles everyday?...kind of scary.. That's EXACTLY one of the reasons that many of us have paid our AMA dues for years. They ARE an effective advocacy group. http://www.amadirectlink.com | ||
| Cityxslicker |
There are tons of things that your work related policy will not cover you for. And really if it did, it would be so damned expensive, no sane employer would offer it. Skydiving being a big one. Skiing is usually a named exclusion too. It is typically any named event that you put yourself into willingly for sport,hobby, recreation or spectator that they can and may not cover you for. And if it is traffic involved, your medical will only pay after the other parties vehicle insurance has been tapped (if they were at fault; if you were at fault or found in the commission of a crime they could deny your claim still) Did insurance for years, it is not in their best interest to pay out, they just want your premium, on time, and for the love of criminy dont take up extreme sports. | ||
| Corporatemonkey |
That's EXACTLY one of the reasons that many of us have paid our AMA dues for years. They ARE an effective advocacy group. +1 If they actually succeed in not covering motorcycles then it is a very slippery slope. Soon we will not be allowed to leave our houses (or stay in them) | ||
| Ohio_xb12 |
I have Allstate and when I low sided last summer they provided medical coverage. I didn't need it but a medical adviser actually called me when the property claim went through to see if I had any medical issues. | ||
| Guell |
my represenative told me not to even mention the fact that i had a motorcycle, and that it wouldnt be a problem. | ||
| Towjam |
my represenative told me not to even mention the fact that i had a motorcycle, and that it wouldnt be a problem. ...until you actually have to file a claim. | ||
| Slaughter |
Yeah - when we went through our annual enrollment here at work, I very specifically asked about my 3 sports to make sure that I would be covered... good thing since one race weekend 2 years later would have cost me almost a quarter million bucks because I went with the doctors I CHOSE - and to a man, they REFUSE to take patients with HMO coverage. Yes, in the ER, the docs on duty will fix you up on just about ANY insurance... until the bleeding stops and you're breathing on your own. But my OWN neurologist and my OWN orthopedic surgeon and my OWN internist were called in as soon as I got stabilized. It is really GOOD to see familiar faces - especially with everything that is going on when you are in the ER. Having Sunny there helps put my mind at ease since we've had "THE" discussion and she has contact info for my doctors - but without good insurance, there's only so much she can do without selling the house. (Message edited by slaughter on May 23, 2008) | ||
| Leashrn |
Almost all types of insurance (health and auto/motorcycle) cover injuries incurred during an accident motorcycle or other. Driving a car is still the most dangerous activity one can participate in. $2000 will just get you in the door to the ER as a trauma. Alisha H.E. RN |
